KELLY ASSOCIATES MANAGEMENT GROUP LLC (KAMG) 1 - 2013

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COMMERCIAL AUTO Any "employee" of yours Is an "Insured" while us- ing a covered "auto" you don't own, hire or borrow In your business or your personal affairs, D, SUPPLEMENTARY PAYMENTS - INCREASED LIMITS 1. The following replaces Paragraph A.2.a,(2) of SECTION 11 - LIABILITY COVERAGE; (2) Up to $3,000 for cost of ball bonds (In- oluding bonds for related traffic law viola- tions) required because of an "accident" we cover. We do not have to furnish these bonds. 2. The following replaces Paragraph A.Za,(4) of SECTION 11 - LIABILITY COVERAGE: (4) All reasonable expenses Incurred by the "Insured" at our request, including actual loss of earnings up to $500 a day be- cause of time off from work. E. TRAILERS -INC RPAS ED LOAD CAPACITY The following replaces Paragraph CA. of SEC- TION I - COVERED AUTOS: 1. "Trailers" with a Load capacity of 3,000 pounds or less designed primarily for travel on public roads. F. HIRED AUTO PHYSICAL DAMAGE The following Is added to Paragraph AA., Cover- age Extensions, of SECTION III - PHYSICAL DAMAGE COVERAGE: Hired Auto Physical Damage Coverage If hired "autos" are covered "autos" for Liability Coverage but not covered "autos" for Physical Damage Coverage, and this policy also provides Physical Damage Coverage for an owned "auto', then the Physical Damage Coverage Is extended to "autos" that you hire, rent or borrow subject to the following: (1) The most we will pay for "loss" in any one "accident" to a hired, rented or borrowed "auto" is the lesser of: (3) If a repair or replacement results in better than like kind or quality, we will not pay for the amount of betterment. (4) A deductible equal to the highest Physical Damage deductible applicable to any owned covered "auto ", (5) This Coverage Extension does not apply to; (a) Any "auto" that is hired, rented or bor- rowed with a driver; or (b) Any "auto" that is hired, rented or bor- rowed from your "employee ", G. PHYSICAL DAMAGE - TRANSPORTATION EXPENSES - INCREASED LIMIT The following replaces the first sentence In Para- graph AA.a„ Transportation Expenses, of SECTION III - PHYSICAL DAMAGE COVER. AGE; We will pay up to $50 per day to a maximum of $1,500 for temporary transportation expense In- curred by you because of the total theft of a cov- ered "auto" of the private passenger type. H. AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT- INCREASED LIMIT Paragraph C.2.. Limit Of Insurance, of SEC- TION III - PHYSICAL DAMAGE COVERAGE is deleted, I. WAIVER OF DEDUCTIBLE -GLASS The following is added to Paragraph D., Deducti- ble, of SECTION III - PHYSICAL DAMAGE COVERAGE: No deductible for a covered "auto" will apply to glass damage If the glass Is repaired rather than replaced. J. PERSONAL EFFECTS The following Is added to Paragraph AA., Cover- age Extensions, of SECTION III - PHYSICAL DAMAGE COVERAGE: Personal Effects Coverage (a) $50,000; We will pay up to $400 for "loss" to wearing ap- (b) The actual cash value of the damaged or parel and other personal effects which are: stolen property as of the time of the (1) Owned by an "insured "; and "loss"; or (2) In or on your covered "auto ". (c) The cost of repairing or replacing the This coverage only applies in the event of a total damaged or stolen property with other theft of your covered "auto ". property of like kind and quality. No deductibles apply to Personal Effects cover. (2) An adjustment for depreciation and physical age, condition will be made In determining actual cash value In the event of a total "loss ". Page 2 of 3 0 201 O The Travelers Indemnity Company, All rights roserved, CA T4 20 07 10 Includes copyrighted material of Insurance Services Office, Inc. with its permission, APPROVED AS TO FORM ��;4F.ORCK /l Assistant City Attorney `I